Now, you need to figure out how to find deals and pay for them.

Here’s how I’d approach it:For the 9.5% Loan: Refinancing into a DSCR loan makes sense to lock in a lower fixed rate, especially if your goal is stability and better cash flow.For the 7.25% Loan: If the local bank's investment HELOC offers a competitive rate, consider it for flexibility.

One member wants to be bought out and the other two want to develop new commercial product.

Happy to help!

I really want to do an apartment building but i want to build a track record first of smaller deals and just looking for a strategy to get into deals similar to a subto or wrap.whats an agency loan?

Go for what you need to make it work for you.Go get um.You never know what commission the seller's agent will get. 

Talk to your banker about your plan.

Make sure to have some good cleaners, not just one, but a few. 

I look every day for off market houses to flip.

You’ll find plenty of friendly, knowledgeable people willing to respond to your posts.